Homeownership Program Guide

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Homeownership Program Guide

September 29, 2023

Habitat’s Homeownership Program offers low-to-moderate-income families the opportunity to purchase a home with an affordable mortgage. 

The year-long program builds strength, stability, and self-reliance by providing education, budget coaching, and hands-on skills to become a successful homeowner.

Navigating HFHWM’s Homeownership Program

Eligibility & Expectations:

  • We approve applicants based on three criteria: the need for adequate housing, ability to pay, and willingness to partner.

  • Applicants must be U.S. citizens or permanent residents, meet background check requirements, and be residents and/or employees of Williamson, Maury, Hickman, Decatur, and Lawrence counties for at least 12 months prior to applying.

  • Candidates must demonstrate the ability to afford the estimated monthly mortgage and household expenses. 
  • To be accepted into the program, individuals must be able to save up to 1% of the home purchase price for closing costs. This value is subject to change based on application season.
  • Location and design of homes based on what Habitat currently has available.
  • Our homes have three, four, or five bedrooms (depending on family size) and two full bathrooms. All homes have central heat and air conditioning; a refrigerator and range in the kitchen; carpeting and linoleum flooring; and a concrete, covered front porch.

Review Process:

  1. Pre-Application
    We open our applications roughly twice a year, depending on construction schedules, and availability. To apply, you will complete our initial questionnaire to determine if you meet the basic requirements, including need, affordability, and willingness to partner. Review our income chart ahead of time to ensure you qualify.
  2. Questionnaire Screening
    If the questionnaire is incomplete, we will reach out and ask for additional information before we proceed. Unfortunately, our program is unable to help every applicant every time. If your questionnaire is not a match, a denial letter will be sent. We also provide a list of additional housing resources that may fit your situation. 
  3. Full Application
    If your questionnaire fits our program, a full application will be sent to gather additional information, such as a credit report, income verification, personal assets, landlord verification, and a background check. You will have 10 days to complete and return the requested documents. 
  4. Review Process
    Habitat has up to 30 days to review and determine your eligibility. If the family is not eligible after processing the full application, a denial letter will be sent. 
  5. Pre-Selection
    Upon approval of your full application, Habitat will schedule a pre-selection interview and two home visits. 
  6. Vote
    Your application file will then be presented to the Homeowner Selection Committee and Board of Directors for a final vote. 
  7. Acceptance 
    After the vote, selected families will be notified of their official acceptance into the program! 

Be the first to know when applications open by subscribing to our Homeownership Newsletter! If you have any additional questions, check out our FAQ page or email apply@hfhwm.org. 

Featured Partners

Habitat for Humanity’s vision is a world where everyone has a decent place to live. The support of our generous partners helps make our vision a reality and has a huge impact in the lives of families.

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